KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
Composition of Growth: Loans by Business
Moderate loan growth momentum in line with full-year target
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
Bt bn
2,458
Consolidated
Amount (Bt bn)
1Q22
1Q22
Y2022
2,422
2,800
1,914
2,002
2.245
Dec 21
Mar 22 Loan Growth Yield Range Loan Growth Target
2,400
Corporate
2,000
34%
(%)
(%)
34%
36%
SME
Corporate Loans
816
840
2.8%
2-4%
1,600
36%
34%
SME Loans
793
806
1.7%
5-7%
1,200
339
Retail
359
34%
339
33%
Retail Loans
711
702
(1.3%)
5-7%
800
Others
400
25%
28%
28%
29%
29%
Other Loans
0
4%
4%
3%
4%
Total Loans
101
2,422
111
9.3%
2,458
1.5%
4.8%
(%)
1-3%
4-6%
9-11%
6-8%
2018
2019
2020
2021
1Q22
Note: *From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is
not comparable with previous reports.
1Q22
2022 Outlook
Corporate
Loans
SME
Loans
Retail
Loans
▪ Loan portfolio slightly grew from short-term lending
▪ KBank provided relief measures to corporate customers in a timely
manner
■ SME loans grew slightly, mainly from small enterprises and self-
employed customers through "Self-Apply" via digital channels; also,
from certain industries which use data analytics to enhance their credit
model.
■ Continued use of data analytics to enhance predictive model and credit
process in order to lend intelligently with acceptable risk
▪ Retail loans decreased due to the seasonality of credit card utilization,
which is the payback time for tax-saving funds purchased in 4Q21 and
amount of new bookings of Home Loan products resulting from market
competition
■ Personal Loan grew from "small-pocket" customer segment onboarding
through the "Self Apply" digital channel
■ Continued use of data analytics to enhance predictive model and credit
process in order to acquire new customer segment with acceptable risk.
■ Potential loan growth in some sectors to support business opportunities
▪ KBank continuously provides assistance to corporate customers affected by COVID-19
pandemic
■ Grow prudently in line with market situation still recovering from COVID-19 pandemic
■ Continuous focus on small enterprises and self-employed customers with various
product offerings matched to their needs. Offer products through digital channels with
risk-based pricing and risk-based offering
▪ Use data analytics to expand credit opportunities in specific industries, i.e. Online/
Offline Merchant, Contractor, Agriculture Trader, and Restaurant
■ Maintain lead position in consumer market and be 1st in customers' minds
Grow prudently in line with market situation still recovering from COVID-19 pandemic
■ Focus on lending by using data analytics to offer products and promotions aligned with
customer needs
■ Focus on "small-pocket" customers with acceptable risk, proactive monitoring, and
controls on loan portfolio quality
Loan Definition
Corporate Loans: Loans of KBank and KBank's Subsidiaries in Corporate Segments (annual sales turnover > Bt400mn)
SME Loans: Loans of KBank and KBank's Subsidiaries in SME Segments (annual sales turnover < Bt400mn)
Retail Loans: Loans of KBank and KBank's Subsidiaries in Retail Segments
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Other Loans: Composed of loans through the insurance business (MTL),
regional markets, and other loan types not directly attributable to the main
business groups. Before Y2020, other loans were loans in Enterprise Risk
Management Division (NPL + Performing Restructured Loans) reclassified
to their customer segments.
13
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Composition of Growth: Net Fees and Non-interest Income
March 2022 (Consolidated)
Total Operating Income - net
Non-interest Income Ratio and Net Fee Income Ratio
(%)
(Bt bn)
154.89 163.35
155.48 160.49
200
(-1%) (+3%)
(-3%)
(+5%) 1
50
40
37%
36%
150
30%
27%
30%
37%
36%
40.61
30
25%
27%
23%
21%
22%
100
20
1 (+1% YOY)
73%
10
50
63%
64%
70%
22%
0
78%
0
2018
2019 2020*
Non-interest Income Ratio
2018
2019
2020
2021
1Q22
Net Interest Income
Non-interest Income
(Bt bn)
70
65 56.95 57.80
60 (-9%) (+2%)
Non-interest Income
22% 22%
2021
1Q22
■Net Fee Income Ratio
Net Fee Income
Other Operating Income
■Fee and Service Income - net
45.87
43.96
(Bt bn)38.12
(-21%) (-4%)
3%
Net Premium Earned - net
40
(-8%)
36.74
(-4%)
33.00 35.32
(+7%)
(-10%)
30-
■Dividend Income
55
3%
50
45
40
67%
35
30
64% 72%
25
80%
20
| 8.86
0.1% 5%
15
6%
4%
15%
(-25% YoY) Gain on Investment
5%
16%
14%
5%
18%
10
2%
13%
100%
10% -0.6%
-0.4%
-0.2%
0
-0.3%
-21%
Gain on financial instrument measured at FVTPL
(Gain on Trading and FX transactions-Old)
0
1Q22
2018
2019
2020*
2021
1Q22
Share of Profit from Investments on Equity Method 20
I
8.83
1 (-6% YoY)
■1Q22 both non-interest income
and net fee income accounted
for 22% of total net operating
income; non-interest income
decreased 25% YoY, mainly due
to net premiums earned - net,
the mark to market of financial
assets according to market
condition, and net fee income.
■Net fee income decreased
6% YoY from relatively large
base in 1Q21; mainly from fund
management business in line
with market condition.
-5 2018 2019 2020*-4% 2021
- Non-interest Income Ratio = Non-interest Income/Total Operating Income - net
Note:
- Net Fee Income Ratio = Net Fee Income / Total Operating Income - net
- Net Premium Earned net Net Premium Earned less Underwriting Expense
* The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not
comparable with previous years' financial figures before Y2020, which were based on the prior accounting standards (non-TFRS9).
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